kadee79
Senior Associate
S.W. Ga., zone 8b, out in the boonies!
Joined: Mar 30, 2011 15:12:55 GMT -5
Posts: 10,800
|
Post by kadee79 on Jan 3, 2020 11:13:35 GMT -5
|
|
Tiny
Senior Associate
Joined: Dec 29, 2010 21:22:34 GMT -5
Posts: 13,363
|
Post by Tiny on Jan 3, 2020 11:26:11 GMT -5
Oh. Okay.
I don't think banks actually use the check date on a hand written check for much of anything... Didn't "post dating a check" go the way of the dodo in the 1990s with the rise of automatic tellers? Well, I guess if you give someone a check and TELL them specifically to NOT deposit/cash a check you are giving them - you can achieve "post dating" a check... but it they go ahead and cash/deposit it - you are out of luck.
I'm not sure I see much of an issue... for official documents there are usually originals (or images of originals) on file with the appropriate official office - and usually the dates are written out in full in a couple of places on the document...
I guess if you are doing handwritten contracts and agreements you might want to make sure you have some full dates on the document...
|
|
Tiny
Senior Associate
Joined: Dec 29, 2010 21:22:34 GMT -5
Posts: 13,363
|
Post by Tiny on Jan 3, 2020 11:34:01 GMT -5
OK, I had to go look up the rules for checks. A bank can choose to NOT cash a "stale" check -- older than 6 months. The same goes for a check that's 12 months old (or older). It's up to the bank.
And then there's this from the article:
"Say you agreed to make payments beginning on 1/15/20. The bad guy could theoretically establish that you began owing your obligation on 1/15/2019, and try to collect additional $$$," Rheingold wrote.
OK, I get it. The scammer is starting the con with the 1/15/20 date. It's not that the scammer has found something with the 1/15/20 date and is trying to use that to work their con. The abbreviated date is part of the con right from the start. Kind of like when the cold call comes about one's Microsoft License needing to be renewed and you can conveniently do it over the phone right now.
It's not that you are using an abbreviated date on typical day to day official stuff. It's that you used an abbreviated date as part of a scammers con.
|
|
justme
Senior Associate
Joined: Feb 10, 2012 13:12:47 GMT -5
Posts: 14,618
|
Post by justme on Jan 3, 2020 11:39:11 GMT -5
Last decade I gave my roommate my rent check early as I was going out of town. I dated it on the first and left a sticky note on it to not deposit it until after the first as I was getting paid between when I left and the 1st and needed that to pay the check. He cashed it early. This was back in college when my stuff was linked to my parents - after going around with the bank they basically said the date means nothing.
|
|
thyme4change
Community Leader
Joined: Dec 26, 2010 13:54:08 GMT -5
Posts: 40,386
|
Post by thyme4change on Jan 3, 2020 16:48:23 GMT -5
It seems like this warning is coming late, as I may have signed any number agreements last year that would end this year. If they were long-con scammers, I may have agreed to pay until 1/15/20, and they will make it 1/15/2022.
I didn't sign anything like that, but I guess I could have.
|
|
laterbloomer
Senior Member
Joined: Dec 26, 2018 0:50:42 GMT -5
Posts: 4,347
|
Post by laterbloomer on Jan 3, 2020 17:37:01 GMT -5
Last decade I gave my roommate my rent check early as I was going out of town. I dated it on the first and left a sticky note on it to not deposit it until after the first as I was getting paid between when I left and the 1st and needed that to pay the check. He cashed it early. This was back in college when my stuff was linked to my parents - after going around with the bank they basically said the date means nothing. They don't get to arbitrarily say that. The date to pay is the contract you agreed to, they don't get to arbitrarily change that. But as long as they didn't charge you NSF or cause other charges i don't care.
|
|
kadee79
Senior Associate
S.W. Ga., zone 8b, out in the boonies!
Joined: Mar 30, 2011 15:12:55 GMT -5
Posts: 10,800
|
Post by kadee79 on Jan 5, 2020 21:59:16 GMT -5
Last decade I gave my roommate my rent check early as I was going out of town. I dated it on the first and left a sticky note on it to not deposit it until after the first as I was getting paid between when I left and the 1st and needed that to pay the check. He cashed it early. This was back in college when my stuff was linked to my parents - after going around with the bank they basically said the date means nothing. This may be different in different states...in Ga. it's against the law to write a post dated check & against the law to accept one. I found out the hard way, but didn't get anything other than a lecture about the law here. PS..I accepted one, I didn't write it.
|
|